Personal property
Furniture, electronics, clothing and everything else you would have to replace, on or away from the property.
Personal Insurance
Renters insurance the cheapest peace of mind you can buy.
Your landlord insures the building. Nothing in that policy covers your belongings, or what you owe if a fire in your unit spreads.
Renters insurance is consistently the least expensive policy in personal lines and the most frequently skipped. The misunderstanding behind that is simple: tenants assume the building's insurance extends to them. It does not. The landlord's policy protects the landlord's asset, and stops precisely at your front door.
The liability half is the part that matters most
Most people buy renters insurance thinking about their television. The far larger exposure is liability. If a kitchen fire that started in your unit damages three others, the building's insurer can pursue you for the cost of putting them right — and that figure has no relationship to the value of your possessions.
The same section covers you if a visitor is injured in your home, and typically follows you away from the property as well. It is the reason a renters policy is worth holding even by someone who owns very little.
Why your lease probably requires it
A growing number of DFW apartment communities now require tenants to carry liability cover, often at $100,000, and to name the property management company as an interested party. We can issue that documentation at binding so it satisfies the leasing office first time.
If your community offers its own policy at the leasing desk, it is worth comparing. Those programmes frequently cover the landlord's interest rather than yours, which is a materially different product from a renters policy in your name.
What it covers
The parts of a renters insurance policy
Personal liability
Damage or injury you are responsible for, including damage that spreads to other units.
Loss of use
Hotel and living costs while your unit is uninhabitable after a covered loss.
Medical payments
Minor medical costs for a guest injured in your home, without needing to establish fault.
Scheduled items
Higher limits for jewellery, cameras, instruments and anything above the standard sub-limit.
Replacement cost
Settles contents at what they cost to replace now, rather than depreciated value. Worth asking for by name.
Working with us
What we do differently
We are an independent agency, so we place your renters insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Match the liability limit to what your lease actually requires
- Ask for replacement cost rather than actual cash value on contents
- Add the property manager as an interested party at binding
- Bundle with auto — the renters premium is often close to the discount it earns
Common questions
Renters Insurance, answered
Does my landlord's insurance cover my belongings?
No. Your landlord's policy covers the building and the landlord's liability. Your possessions, your liability and your additional living costs are only covered by a policy in your own name.
How much contents cover do I need?
Add up what it would cost to replace everything you own from scratch — most people underestimate this substantially until they walk room by room. Then choose replacement cost rather than actual cash value settlement.
Am I covered if my things are stolen from my car?
Generally yes. Personal property cover usually follows your belongings away from the home, subject to your deductible. Auto policies do not cover personal items left in a vehicle, which catches people out.
Does renters insurance cover my roommate?
Not automatically. Unless they are a relative or listed on the policy, a roommate needs their own cover. Two separate policies is usually the cleaner arrangement.
Is flood covered?
No, and that includes rising water reaching a ground-floor unit. Contents flood cover is available separately, which is worth considering in a lower-lying building.
Related cover
Often arranged alongside this
Condo Insurance
The association insures the building. An HO-6 policy insures everything from the drywall inwards, plus the assessments the association can pass on to you.
Read moreAuto Insurance
Texas requires every driver to carry liability cover. We help you work out what you need beyond the minimum, then put it in front of several carriers at once.
Read moreHomeowners Insurance
Hail is the peril that defines property insurance in DFW. How your policy settles a roof claim matters more here than almost anywhere else in the country.
Read moreReady for a renters insurance quote?
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Ready for peace of mind?
Let us protect what matters most.